And you want to get to a good start on the game with the little money you got. Then you can try to do the following thing. 1.) You will need to buy the "Dodge Neon". It may not look like it. But it will end up with better handling, acceleration and top speed than most of if not all the cars you start with. And you will need it. 2.)All of the cheats currently listed DO work, because I've used them, but you need to enter them very fast on the D-pad, it could take 2 or 4 or many more tries to get any to work, and since the D-pad is kinda small you need to be very careful not to hit the wrong arrow by mistake because if you do you need to wait a few seconds to retry.
To get lots of money in underground mode all you have to do is unlock the Honda s2000 then all you have to do is modify the golf got with all level 3 performance upgrades the do it up body kit ect
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